Buy a car, must consider whether the insurance. For this point, I think the insurance is inevitable. Australian car compared with Australia's per capita income is very cheap, as the most basic car toyota corolla, home is the hundreds of thousands of yuan, while Australia's price is $twenty-five thousand, if the twenty-five thousand will be able to buy a car, I want to Chinese road conditions this is not. Because of this, Australia luxury cars more special, the so-called luxury, like BMW, Mercedes Benz, it is filled with open, because the price is only fifty thousand to one hundred thousand Australian dollars. To the hospital about 20 minutes drive from my home, along the way can see dozens of cars, sports cars from passing by. We are driving the novice, it is home to drive a car, because the traffic rules and the driving seat of the different, came to Australia became a novice, if hit what cars, money is better, not to make money to take home the RMB compensate, I I can afford to lose?

   The Australian insurance is basically two kinds, it is against all risks (Comprehensive insurance) and third party insurance (third party insurance). All risks, Gu thinking, of course, is to hit a car, for others to lose yourself; third party insurance, hit a car, only compensate the other side of the car did not lose his car, if wrong, your car can be made by the other party of the insurance. According to the number of their different models or experience, can choose for all risks or the third party insurance. For example, you buy the car is very expensive, or you're really on their own driving skills are not confident, that handles all risks.

    This suggests that a little, that's all risks, not representative for all. I took the situation at that time, my car is honda jazz, second-hand, drive 40000 km, and under the age of 25, the first to get a driver's license, driving license for less than one year. Such conditions and insurance companies have been evaluated, the insurance company gave me three different cover all risks selection. The first and most expensive, a year to $2100, so, if any accident. First of all the first 500 knife should I pay, because my 25 years of age, so the loss over the next 400 knife also want me to pay, because I have been less than two years, so the next 400 knife is also I pay, this $1300, if the loss of more than 1300 knife, then the insurance company would offer me the next cost; the first premium a year to $1600, is different from the first is Shoufu should I pay $1500, then $400 under the age of 25, 400 years driving experience with knife, together my accident I want to deposit $2300, if more than 2300 knife accident, insurance to secure third premium; 1400 a year, but I have to pay 2000 down payment, plus the two $400, insurance can only guarantee to 2800 knife away.

   Then the third party insurance, the truth is the same. The annual premium is $400, but only this one -- +400 +400 500 knife knife knife. The first 1300 knife is I want to Shoufu, but if you have an accident when I was 25 years old and over two years of driving experience, so I only Shoufu 500 knife.

   The premium and the number of your car has the very big relations, the car is good, of course, is expensive, besides, also and your age, gender, there was no police record etc.. To apply for insurance company insurance will be very detailed inquiry about these situations, then calculate, each individual premium is different.

   The premium pay can instalments, nature will have to pay.

   The family car, I heard to do is pay full insurance, that China or some, my father has wiped a little car to car, because it is the insurance company to pay. But in Australia, no insurance company for this business, all insurance companies have insured amount, and this year the repair money, next year will be more expensive, so a lot of people if hit very much is not serious, may not go to the insurance company.

   Each insurance company to the insured is divided into different levels of risk (rating), the beginning is 6, which is the most advanced, highest premium. If the first year no accident, then second grade don't and premium will be a little lower, if there has been no accident, the premium will be reduced year by year. If a year all of a sudden accident, insurance company claims, then second years your risk levels and premium will greatly enhance. Some insurance companies offer discounts, if someone has no accident, then rise as gold customers, even if the accident claims, second years without promotion premium. The accident rate is not high, according to statistics is impossible event, but for the insurance companies to make enough stunt, how insurance companies earn it.

   After I get the evaluation of insurance companies. For a long time, I always feel that all risks is not worth, I Shoufu are too high. So I was for the three party insurance, is to be careful, don't make mistakes crash line -- this means that anyone can still hit me,

Insurance, must from the first day to buy a car to date, do not luck that I wait for two weeks and then to apply for insurance. Usually just a novice, the first two weeks of the most vulnerable. The insurance company has a delay in payment, that is to say as long as you go to the insurance company, no need to pay, as long as all the information on the car, immediately can take effect, and then take a month later in about the time to pay the whole can, in this month, even if you have not paid, but the accident, the insurance company will pay not mistake.

   But the insurance car, did not seem to the insurer. But Australia also seemed national public health, so even if hit, treatment costs should be no worry, legal responsibility must not touch, that don't run, the hospital sent people is the real soon.

About me: really lucky, have the Spring Festival can go home! To have the Spring Festival time of annual leave, but tickets are bought. Or the Korean air, can stay in Korea for a night that, well, I want to in South Korea all night shopping.